According to the provisions of the Social Insurance Law, medical insurance cards can only be used to buy designated drugs in designated hospitals, and medical insurance cards can only be used for personal outpatient service, drug purchase and hospitalization. In other words, using a medical insurance card is not allowed to buy products on the list of non-medical insurance drugs. Personal account of medical insurance card shall not be used for public health expenses, physical fitness or health care consumption not covered by basic medical insurance.
How to use the medical insurance card:
1. Scope of use of medical insurance card: When insured employees buy medicines in designated hospitals and pharmacies, they can swipe their cards on POS machines with their passwords, but they cannot withdraw cash or transfer money.
2. Inquire about the balance of medical insurance card: Insured employees can inquire about the balance by telephone, or at the Bank Savings Office of China or the designated hospitals and pharmacies in the urban area. You can also log in to the social security inquiry system online.
3. Inquiry of medical insurance card transaction: Insured employees can print medical insurance card transaction records, including personal account payment records and consumption records, at China Bank Savings Office with their ID cards and medical insurance requirements. If you have any questions about the transaction records, you can go to the retail business department of Bank of China.
4. Medical insurance card password: The insured employees can change their passwords by phone or bring their ID cards to the Bank of China Savings Office. If the insured employee forgets his password, he can report the loss of the original password with his ID card to China Bank Savings Office and change it.
5. Custody of medical insurance card: Insured employees should keep the medical insurance card properly. If they accidentally lose it, please immediately issue a letter of proof to the unit and stamp it in the medical insurance office for confirmation. Then, they will take their ID cards to China Bank Savings Office to report the loss and go through the formalities. After 7 days, they can get a new card.
6. Precautions: When the number of medical insurance card transactions reaches 60, the insured employees must go to China Bank Savings Office to print the transaction records, otherwise they will stop using the card. After the transaction record is printed, the card can continue to be used.
Legal basis:
Social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations. Medical insurance cards can only be used to buy designated drugs in designated hospitals, and medical insurance cards can only be used for personal outpatient service, drug purchase and hospitalization, which means that products on the non-medical insurance drug list cannot be purchased with medical insurance cards.